> For the complete documentation index, see [llms.txt](https://payments.govstack.global/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://payments.govstack.global/development-3/readme.md).

# Payments Building Block Specification

Version 3.0; December 2025

***First Developed by:***\
Vijay Mauree, Arnold Kibuuka, and Dr. P. S. Ramkumar ([ITU](https://itu.int)), Francesco Pasti ([GSMA](https://www.gsma.com/)), James Dailey, David Higgins ([MIFOS](https://mifos.org)), Oscar Correia ([Maarifa Education](https://www.maarifaeducation.com/)), Khuram Farooq ([World Bank](https://www.worldbank.org/)) and Elie Sawaya ([GIZ](https://giz.de/))

***

***Authors to this version:***\
Vijay Mauree, Arnold Kibuuka, David Higgins, and Oscar Correia

***Editor:***\
Ali González-García

<figure><img src="https://1216505995-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2Fewl3vYAk59R7g4crEkvq%2Fuploads%2F9cm99h7TOYX0pSWHIBkA%2FPayments.svg?alt=media&amp;token=75f9e71c-0576-4386-bce6-a5ad13298b15" alt="Payments Building Block cover"><figcaption><p>Payments Building Block cover</p></figcaption></figure>